Careers at Upstart

Who we are

We’re on a mission to re-invent online lending. Our proprietary
algorithm predicts income potential and default rates more accurately
than any financial institution in the world. And our lending platform
is helping thousands of people on their way to a better financial future.

Why join Upstart?

What’s not to like about a team of ex-Googlers disrupting the $3.2
trillion consumer credit industry? At Upstart, employee happiness and
personal development drive our success. Every day we strive to be the
best version of ourselves.

Talented colleagues

Our team is lean and highly effective. Our interview process selects for exceptional ability, and we only hire the best.

Character matters

Every person at Upstart is someone with whom we genuinely enjoy spending time. Team meals and outings are always on the calendar.

Trust and autonomy

We keep bureaucracy to an absolute minimum. No one is counting your vacation days, and we expect self-direction and initiative from everybody.

Basic comforts

A micro-kitchen, catered lunches, and whatever tools you need to be productive. And of course, highly competitive compensation and benefits.

Top-tier support

We’re backed by an elite group of investors and advisors and have been written about in countless publications.

Input matters

Every team member will shape the company we want to become. Transparency and inclusion are core values at Upstart.

Full Stack Software Engineer

Are you an engineer with strong technical problem solving skills, excellent communication skills, and a desire to learn and take on responsibility? We're hiring! You will be responsible for working on all aspects of the Upstart platform, from our data prediction model to our backend financial platform, to our web interfaces and 3rd party API integrations. You’ll enjoy significant autonomy in architecting systems, writing algorithms, and crafting elegant user interfaces.

Requirements:

2+ years of full-stack web development

Experience with web frameworks (Ruby on Rails preferred)

Experience with JavaScript and JavaScript frameworks (we use Angular)

Think you’re the right person for the job, or know someone who might be? Send us a note at join@upstart.com!

Backend Software Engineer

Do you love writing algorithms and architecting service-oriented systems? As a backend engineer at Upstart, you will be responsible for owning business-critical processes that must be highly available and scalable. You'll play a major role in designing our ecosystem of interacting applications, making major architecture decisions, and getting your hands dirty by writing APIs. You'll get to dive into our data model and work on algorithms powering our investment and financial platforms.

Requirements:

2+ years of backend/systems development, ideally in the context of web applications

Experience building reliable, robust, and scalable systems

Familiarity with SOA concepts and implementation

Understanding of good API design

Comfortable writing math/finance-related code

Think you’re the right person for the job, or know someone who might be? Send us a note at join@upstart.com!

Data Scientist

Predictive modeling is central to us at Upstart. Underwriting more accurately and using variables that no other lender considers are what allow us to give people the rates they deserve, which in turn gives our business its biggest competitive advantage. We’re looking for someone to join our data team and help change how creditworthiness is assessed. Because our challenges are so new, this person will need to have strong creative problem solving skills, in addition to a background in statistics. Experience with consumer credit is preferred but not required.

Requirements:

Rigorous quantitative background (graduate-level study preferred)

Comfort with programming

Think you’re the right person for the job, or know someone who might be? Send us a note at join@upstart.com!

Product Manager

Upstart is looking for a product manager to help us become the very best in online financial services. The product manager will work closely with the engineering team to define, organize and evaluate projects that improve the experience of investors and borrowers on the platform.

Responsibilities:

Deeply understand the needs of our users and our business

Understand and track product changes, form hypotheses, and provide recommendations for feature improvements and launches

Build consensus between team members on product vision and definition

Work with engineering to define features, timeline and quality-control process

Think you’re the right person for the job, or know someone who might be? Send us a note at join@upstart.com!

Product Manager - Analytics

Data is core to everything we do at Upstart. Key decisions in every area of the business - which features to build or kill, which audiences or channels to pursue, which areas of the business need the attention and resources of our team - are driven by analytics. This person will own the infrastructure and process of our business analysis and provide key insights and recommendations to the entire team.

Responsibilities:

Deeply understand the numbers behind the business and use them to inform the company's focus and strategy

Understand and track product changes, form hypotheses, and provide recommendations for feature improvements and launches

Work with the engineering team to ensure that we're tracking the right things - for the present and for the future

Perform custom data queries and analysis to answer hard questions

Requirements:

Strong aptitude for and interest in quantitative analysis

Comfort with excel and programming (SQL or Ruby preferred)

Experienced with analytical tools for web such as Google Analytics

Think you’re the right person for the job, or know someone who might be? Send us a note at join@upstart.com!

Technical Recruiting Manager

Upstart is looking for a talent expert to grow our team of A+ players and run a highly efficient recruiting pipeline. This person will source and recruit new hires in the areas of engineering and data science.

Strong persuasive skills and ability to communicate Upstart’s mission in a way that translates to excellent conversion rates throughout the recruiting funnel

Good intuitions about how to quickly and accurately assess intelligence, culture fit, technical skill, etc.

Think you’re the right person for the job, or know someone who might be? Send us a note at join@upstart.com!

Digital Marketing Analyst

We're looking for a skilled digital marketer to join our team and play a major role in our user acquisition efforts. This person would run our paid social and/or search advertising campaigns, including creative strategy, audience and keyword expansion, bid/budget optimization, copywriting, performance analysis, and reporting.

Responsibilities:

Form and execute creative strategies for scaling and optimizing multi-million dollar advertising campaigns

Conduct experiments within a rigorous A/B testing framework

Identify opportunities for new audiences and keywords based on audience insights and performance data

A self-starter mentality with the ability to work well under pressure, thrive working under limited direction, and a strong sense of personal accountability and ownership

Think you’re the right person for the job, or know someone who might be? Send us a note at join@upstart.com!

Operations Manager

Upstart is looking for an experienced operations manager to build and manage a team of credit analysts and customer service representatives. This person will oversee weekend shifts that cover a variety of onboarding, collections, and customer service activities to meet growth and quality targets.

Responsibilities:

Manage overall performance of customer operations in terms of CSAT, cost, and quality of service

Recruit, train and onboard new team members to support business growth

Directly interact with customers, review applications, and act as an escalations point of contact

Work closely with various internal groups to understand business requirements, implement new processes, and contribute to ongoing improvements

Participate in staffing, planning and budgeting activities

Requirements:

5+ years in an operational role with management responsibility and ownership to drive customer satisfaction

Passion for delivering a great customer experience at scale

Strong communication skills and ability to empathize with customers

Able to work Saturdays and Sundays, plus 3 days during the week

Impeccable judgment and comfort with ambiguity

Strong analytical skills

Competitive spirit and ability to lead and motivate teams

Think you’re the right person for the job, or know someone who might be? Send us a note at join@upstart.com!

Credit Analyst (Contract Position)

Upstart is looking for credit analysts to provide a great experience to our borrowers and guide them through the application process. This person will be responsible for gathering and analyzing educational and financial data about borrowers to verify the creditworthiness of the borrower.

Responsibilities:

Guide borrowers through the application process over phone, chat, email

Verify borrowers' identities through reviewing personal documents

Identify and implement process improvement opportunities in the signup process

Requirements:

1-2 years of experience in customer service, loan underwriting or similar

Passion for delivering a great customer experience at scale

Strong communication skills (written and phone) and ability to empathize with customers

Familiarity with financial statements, tax documents and payroll

Ability to work early mornings (6am) and weekends

Impeccable judgment and comfort with change

Strong intuition with identifying fraudulent activity

Acute attention to detail

Competitive spirit and goal oriented

Think you’re the right person for the job, or know someone who might be? Send us a note at join@upstart.com!

Collections Specialist

Upstart is seeking a Collections Specialist to be responsible for all aspects of loan repayments and collections. This includes, but not limited to, calling, emailing, and writing letters to borrowers who have past due balances to bring these accounts to current status.

Responsibilities:

Plan, analyze, and collect on past due accounts while maintaining strict adherence to corporate Collections policies and procedures in line with FDCPA and TCPA

Communicate frequently and negotiate effectively with past due accounts to find payment solutions that bring them current as quickly as possible

Think you’re the right person for the job, or know someone who might be? Send us a note at join@upstart.com!

Press and Media Relations Manager

We’re looking for a very special someone to help spread the word about Upstart and our novel approach to marketplace lending. We’re an ex-Google team using fancy math and modern design to create the fastest growing lending platform in the industry. This team member will craft and execute on a press and media relations plan appropriate for the bold and disruptive financial services startup that we are. Beyond traditional PR, we’re looking for somebody with the hands-on skills to sharpen and amplify our message about how Upstart is impacting the lives of our borrowers. We’ve originated more than 4,000 loans in less than a year by building “marketplace lending 2.0” - a modern platform designed to deliver financial fitness to all.

Think you’re the right person for the job, or know someone who might be? Send us a note at join@upstart.com!

The information on this website does not constitute an offer to sell
securities or a solicitation of an offer to buy securities. Further,
none of the information contained on this website is a recommendation
to invest in any securities. Currently, Upstart Network can sell the
securities it issues only to accredited investors on a confidential
basis at their request for consideration.

All loans are made by Cross River Bank, a federally insured, New
Jersey commercial bank.